XRP Rich List Updated: See Where You Currently Stand

The Numbers at Each Level

She shared a snapshot of the XRP rich list, and at the very top, just 4 accounts hold one billion XRP or more. Together, those 4 wallets control over 6.4 billion XRP. Only 23 accounts sit in the 500 million to 1 billion range, collectively holding nearly 12.8 billion XRP.

Moving further down, 57 accounts hold between 100 million and 500 million XRP, and 131 accounts hold between 20 million and 100 million XRP. Crossing into five figures, 151 accounts hold between 10 million and 20 million XRP, while 172 accounts hold between 5 million and 10 million XRP.

The Lower Tiers

The 1 million to 5 million range contains 1,445 accounts. The 500,000 to 1 million range holds 2,410. These are still exceptionally thin slices of the total wallet count. By the time you reach the 100,000 to 500,000 range, the number jumps to 28,743 accounts. Below that, 10,544 accounts hold between 75,000 and 100,000 XRP.

The lower tiers grow rapidly. Over 433,000 accounts hold between 1,000 and 5,000 XRP. Nearly 2.4 million accounts hold between 20 and 500 XRP. About 1.3 million accounts hold 20 XRP or less.

Filtering for Active Wallets

Filtering out corporate and exchange wallets significantly changes the entry requirements.

According to his breakdown, the top 0.1% of active addresses require 275,000+ XRP, representing roughly 8,000 wallets. Joining the top 1% requires 44,000 to 46,000 XRP, covering around 80,000 wallets. The top 5% threshold is 7,500+ XRP, and the top 10% begins at 2,100+ XRP.

Questions the Community Raised

Multiple wallets could affect how any individual’s true position maps onto the chart.

The top tiers likely reflect institutions and escrow accounts rather than individual retail holders. About 0.1% of holders have become millionaires after 14 years.